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Identity Guard is online credit report service offering free credit scores, as well as credit monitoring services. Get your credit scores absolutely free from Experian, Equifax, Transunion.
How Do I Get My Credit Score Free?
When you're browsing around the web you will usually see ads telling you that the average credit score is 678 and asking you what is yours. You could even go to Yahoo and see several free credit score ads on the homepage. So with all these ads you may be thinking, "I need to get my credit score" and you would be right. Especially if you're in the market for a new home or automobile. In this short article, I'll give you some tips to use when you go get your credit score and some of the best places.
Get Your Credit Scores Free
When you think of a credit score more than likely you're thinking of a FICO credit score. I read on the main Fico site that 90% of the largest banks use your FICO to help them determine if they will lend you money or not and at what interest rates. Most lenders will base the majority of their decision on your score.So it is important to know your credit score.
So how do you get your credit score? Well it depends on how much you want to spend. You can get your credit score myfico dot com from one credit bureau for $15.95 or $31.90 for two. They used to have all three bureaus on there but for some reason they only have TransUnion and Equifax available now. This may be due to the fact that Experian has their own proprietary credit score called a VantageScore but that is for another hub.
One other benefit of buying from myfico is their score simulator. You can go through scenarios and see how your credit score will be affected if you perform certain actions like paying off a credit card or opening a new credit card account. This can be a useful planning feature because a 50 point drop in your credit score could cost you an extra $200 more a month in mortgage payments or vice versa if you increase your credit score.
But if you did not want to spend up to $32 to see your credit score, there are sites that offer it for free with a small catch of course. In order to get it, you have to enter in your credit card information and start a free trial of credit monitoring. This is an example of the typical offer you will find but it is the only way to obtain your credit score at no initial cost to you.
So now that you have the answer to the question, "how do I get my credit score?" you know what to do. If you want to spend the money check out myfico. If you want to get it free check out the link below.
